DeFi is entering a new phase, and Huma Finance (HUMA) is at the forefront with the first PayFi network. Unlike traditional crypto-backed lending, Huma enables borrowing against real-world income streams such as salaries, invoices, or remittances.
Through its Time-Value-of-Money (TVM) model, the protocol securely analyzes cash-flow patterns and provides instant liquidity—covering up to 70–90% of expected future revenue. By eliminating the need for collateral, Huma makes credit more inclusive and efficient.
In essence, Huma Finance is building the bridge between traditional finance and Web3, unlocking smarter, faster, and more human-centered access to capital.
